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Education & Personalized Communications

One source for comprehensive and cost-effective financial literacy and communication solutions

To compete in today’s employee benefit environment, you need communication materials and services that effectively capture and hold the attention of your audience. DST offers a comprehensive array of financial literacy content and communications solutions that includes print and electronic materials, fiduciary and fund services, and tools for providers, sponsors, advisors, and participants. Robust, pre-written or customized content from industry experts and delivery tools can be leveraged for enrollment, guidance and advice to participants, and required communications. These solutions help you proactively service their clients and satisfy regulatory requirements.


Support the plans that use your services

Plan sponsors want to fulfill their fiduciary obligations, meet regulatory requirements, and provide plan participants easy access to plan information. DST helps you support the plans that use your services through educational and communications services.

Compliance Notices

Enable plan sponsors to meet regulatory requirements with compliance notices offered through DST’s state-of-the-art communication platform. Available notices include:

  • Investment change notice
  • Automatic enrollment (QACA/EACA) notice
  • Qualified default investment alternative (QDIA) notice
  • Annual fee disclosure
  • Combined notice, including fee disclosure and other notices as appropriate

Click here for more information about compliance notices.

Educational Seminars

DST offers highly interactive retirement plan education programs designed to meet the needs of retirement professionals at all levels. These programs are taught by an experienced team of seminar instructors consisting of ERISA attorneys, ERPAs, QPFCs, TGPCs, QPAs, QKAs, and industry experts.

  • Live regional public seminars in locations throughout the U.S.  
  • Live and recorded eSeminars accessible from anywhere you have an Internet connection
  • In-house training for organizations with specific needs
  • Professional continuing education credits available

Click here for more information about educational seminars.

Educational Videos

Understanding retirement planning should be easier, and every participant should have the knowledge to succeed in achieving retirement readiness. DST’s suite of educational videos is designed to enhance the participant experience in a whole new way. Through a series of concise videos, we remove the complexity from the subject of retirement planning.

Click here for more information about educational videos.

Fund Central

Give plan sponsors the ability to provide easy access to complete information about more than 21,000 mutual funds and exchange-traded funds (ETFs) with DST’s Fund Central.

  • Online prospectus viewing through EDGAR-View® and NewRiver’s Prospectus Express®
  • Monthly fund performance information (one-month, three-month, one-year, five-year, and ten-year performance), with optional information available to help satisfy U.S. Department of Labor fee disclosure requirements
  • Online fund data sheets, updated quarterly

Click here for more information about Fund Central.

Personalized Communications Solutions

Personalized Communications Solutions (PCS) help employers deliver customized, compelling materials that positively impact employee behavior and perception. Our combination of benefits data technology, retirement benefits knowledge, and in-house design capabilities enables us to partner with employers to inform and educate employees both in print and online.

Click here for more information about Personalized Communication Solutions, such as Total Rewards Statements, “Are You On Track?” Personalized Retirement Summaries, Health Care Cost Modelers, microsites and more.

Statements

DST’s statement solutions provide the account information plan sponsors and participants expect, plus an opportunity for sponsors to educate participants and motivate them to save more for retirement and an option to disclose quarterly individual fees. Choose from the:

  • Expanded SmartStatement®
  • SuperStatement
  • Flex Statement
  • eStatement

Our eWarehouse online service option gives plan participants who elect electronic delivery access to their statements via a participant viewing site. You can make the same information available to your customer service representatives and to plan sponsors’ human resources and payroll personnel, allowing them to respond to employees’ statement questions and requests quickly and easily.

Click here for more information about statement solutions.



Provide the communications employers need to make their plans a success

Effective communication is critical to a retirement plan’s success. DST’s state-of-the-art communication platforms provide authoritative information and engaging educational materials that plan sponsors can use to manage their plans and connect with participants.

Compliance Notices

Plan sponsors can meet regulatory requirements with compliance notices offered through DST’s state-of-the-art communication platform. Available notices include:

  • Investment change notice
  • Automatic enrollment (QACA/EACA) notice
  • Qualified default investment alternative (QDIA) notice
  • Annual fee disclosure
  • Combined notice, including fee disclosure and other notices as appropriate 

Click here for more information about compliance notices.

Educational Videos

Understanding retirement planning should be easier, and every participant should have the knowledge to succeed in achieving retirement readiness. DST’s suite of educational videos is designed to enhance the participant experience in a whole new way. Through a series of concise videos, we remove the complexity from the subject of retirement planning.

Click here for more information about educational videos.

Participant Online Information Center

Give employees online access to all of the information they need to enroll in their employer’s plan with DST’s Employee Benefit Network:

  • Introductory letter
  • Plan highlights
  • Planning and educational information
  • Fund data sheets with the most recent quarter’s information
  • Printable enrollment, beneficiary, and rollover forms
  • Required notices and/or disclosures (QDIA)
  • Analyzers, calculators, guidance and advice tools, and animated education modules to help participants make informed retirement saving and investing decisions

 

Click here for more information about DST’s Employee Benefit Network

Personalized Communications Solutions

Personalized Communications Solutions (PCS) help employers deliver customized, compelling materials that positively impact employee behavior and perception. Our combination of benefits data technology, retirement benefits knowledge, and in-house design capabilities enables us to partner with employers to inform and educate employees both in print and online.

Click here for more information about Personalized Communication Solutions, such as Total Rewards Statements, “Are You On Track?” Personalized Retirement Summaries, Health Care Cost Modelers, microsites and more.

Retirement Readiness Management Report

Help sponsors assess their plans’ effectiveness and identify potential areas for improvement with DST’s Retirement Readiness Management Report. The report includes:

  • An overview of the plan from a retirement readiness perspective
  • Key participant information broken down demographically by age group and salary range
  • A detailed assessment of each plan participant’s readiness
  • Suggestions on how the plan might be modified to improve retirement readiness

Click here for more information about the Retirement Readiness Management Report.

Targeted Communications

DST’s SmartSingles target participants’ needs in the various stages of retirement planning. Keyed to certain participant data, these communications focus their message on encouraging the individual participant to take action to meet specific retirement goals. Choose from these titles and others:

  • Newly Eligible Introduction SmartSingle
  • Increase Contributions SmartSingle
  • Asset Allocation SmartSingle
  • Automatic Enrollment SmartSingle
  • Gap Analysis SmartSingle
  • Distribution Options SmartSingle
  • Blackout Notice SmartSingle

Click here for more information about targeted communications.



Reinforce your position as a valued advisor

As plan fiduciaries, sponsors have an obligation to ensure that plan investments are appropriate for their plans and participants. Recognizing this obligation and helping plan sponsors satisfy it can reinforce your position as a valued advisor to your existing plan clients and open the door to new prospects.

College Planning Solutions

Financial service companies, advisory firms, education lenders and 529 state sponsored programs use our College Planning Solutions to help investors and advisors gain a clear understanding of education costs so they can take action and implement savings and investment strategies that yield desired funding results. Our interactive, web-based college planning tools help users:

  • Estimate current college costs utilizing our proprietary databases of 3,500 Title IV colleges and universities and a table of current national average college costs
  • Evaluate their college funding strategies utilizing "what if" modeling tools
  • Identify potential savings shortfalls
  • Consider alternative product options that may help users achieve their funding goals
  • Generate professional reports – especially advisors in support of client meetings

Tools can be customized to meet your specific branding, wording and legal disclaimer requirements and many tools can be implemented through a mobile app or customized microsite. Our hosted solutions also enable tools to be deployed and updated rapidly – without the support of your IT department.

Click here for more information about College Planning Solutions.

Educational Videos

Understanding retirement planning should be easier, and every participant should have the knowledge to succeed in achieving retirement readiness. DST’s suite of educational videos is designed to enhance the participant experience in a whole new way. Through a series of concise videos, we remove the complexity from the subject of retirement planning.

Click here for more information about educational videos.

Insurance Tools & Calculators

Retirement planning involving insurance products or annuities demands additional education about how withdrawal and distribution choices may impact the value of the investment. Using illustrative tools and calculators help users gain a clear understanding of their options and potential scenarios, so they can make better, more informed decisions.

  • Life Insurance Planner
  • Withdrawal Calculator: Accumulation Phase
  • Withdrawal Calculator: Withdrawal Phase
  • Benefit Projection Calculator
  • Withdrawal Calculator: Required Minimum Distribution
  • Vesting Calculator

Click here for more information about Insurance Tools & Calculators for advisors.

Management Reports

DST’s Management Reports give you an effective means of providing your plan sponsor clients with both the quantitative and qualitative information they need to help satisfy their fiduciary obligations. These reports provide:

  • An executive summary that gives an overview of the investment climate and other factors affecting plan administration
  • Plan-specific participant activity information
  • A summary of performance and other fund-specific information for all funds offered by a plan
  • A variety of quantitative and qualitative options to customize reports

Click here for more information about DST’s Management Reports.

Plan Investments PLUS (PIP)

PIP enables advisors to define monitoring standards and criteria for plan investments and to create and receive periodic reports on how plan investments measure up. This easy-to-use FINRA-reviewed Internet solution lets you quickly:

  • Set up a plan
  • Identify plan investments
  • Select monitoring standards and criteria
  • Create and assign default and custom investment policy statements
  • Create quarterly (or monthly) monitoring reports using the standard layout or by uploading your own content

Click here for more information about the PIP interface.

Retirement Planning Tools & Calculators

Having the right tools can make any job easier – this is especially true for financial advisors as they work with participants to evaluate various distribution and rollover scenarios to help them make informed retirement savings recommendations.

  • Retirement Planner Tool
  • Retirement Plan Contribution Tool
  • Social Security Illustrator
  • Retirement Distribution Planner
  • Risk Assessment Questionnaire
  • Market Returns Risk
  • Roth Portal
  • 401(k) Employer Match Optimizer
  • Traditional 401(k) vs. Roth 401(k) Calculator
  • IRA Selection tool
  • Small Business Retirement Plan Selector
  • Roth Conversion
  • 72(T) Calculator
  • Stretch IRA Illustrator
  • Beneficiary IRA Calculator
  • Required Minimum Distribution (RMD)
  • Net Unrealized Appreciation (NUA)
  • 13-45 Tool

Click here for more information about Retirement Planning Tools & Calculators.



Get employees involved in their future

Motivate employees to enroll in their employer’s retirement plan and keep them informed about planning for retirement, managing their retirement investments, and financial planning in general with DST’s extensive selection of participant communication materials.

College Planning Solutions

Financial service companies, advisory firms, education lenders and 529 state sponsored programs use our College Planning Solutions to help investors and advisors gain a clear understanding of education costs so they can take action and implement savings and investment strategies that yield desired funding results. Our interactive, web-based college planning tools help users:

  • Estimate current college costs utilizing our proprietary databases of 3,500 Title IV colleges and universities and a table of current national average college costs
  • Evaluate their college funding strategies utilizing "what if" modeling tools
  • Identify potential savings shortfalls
  • Consider alternative product options that may help users achieve their funding goals
  • Generate professional reports – especially advisors in support of client meetings

Tools can be customized to meet your specific branding, wording and legal disclaimer requirements and many tools can be implemented through a mobile app or customized microsite. Our hosted solutions also enable tools to be deployed and updated rapidly – without the support of your IT department.

Click here for more information about College Planning Solutions.

Educational Videos

Understanding retirement planning should be easier, and every participant should have the knowledge to succeed in achieving retirement readiness. DST’s suite of educational videos is designed to enhance the participant experience in a whole new way. Through a series of concise videos, we remove the complexity from the subject of retirement planning.

Click here for more information about educational videos.

Enrollment Materials

Make enrollment easy for employees by using DST’s enrollment booklet solution to create comprehensive, plan-specific enrollment materials in English or Spanish over the Internet anytime, anywhere.

  • Choose from a variety of full-color graphic platforms
  • Include custom plan highlights
  • Add information about planning and investing for retirement
  • Create plan-specific forms that are perforated for easy detachment
  • Track your booklet orders online
  • Mail booklets to participants’ homes
  • Create plan-specific employer web pages through our Employee Benefit Network

Click here for more information about DST’s enrollment materials.

Financial Resource Center

Make reliable financial information available to employees 24/7 via the Internet. Organized by age group, the Financial Resource Center offers articles, interactive calculators, Flash® presentations, and financial guides that cover a wide range of topics:

  • Retirement planning
  • Financial planning
  • Investing
  • Income tax
  • Estate planning, and more

Click here for more information about the Financial Resource Center.

Personalized Communications Solutions

Personalized Communications Solutions (PCS) help employers deliver customized, compelling materials that positively impact employee behavior and perception. Our combination of benefits data technology, retirement benefits knowledge, and in-house design capabilities enables us to partner with employers to inform and educate employees both in print and online.

Click here for more information about Personalized Communication Solutions, such as Total Rewards Statements, “Are You On Track?” Personalized Retirement Summaries, Health Care Cost Modelers, microsites and more.

Retirement Planning Tools & Calculators

Having the right tools can make any job easier – this is especially true for financial advisors as they work with participants to evaluate various distribution and rollover scenarios to help them make informed retirement savings recommendations.

  • Retirement Planner Tool
  • Retirement Plan Contribution Tool
  • Social Security Illustrator
  • Retirement Distribution Planner
  • Risk Assessment Questionnaire
  • Market Returns Risk
  • Roth Portal
  • 401(k) Employer Match Optimizer
  • Traditional 401(k) vs. Roth 401(k) Calculator
  • IRA Selection tool

Click here for more information about Retirement Planning Tools & Calculators.

Statements

DST’s statement solutions can both report participant account information and serve as a newsletter-like vehicle for educating plan participants about retirement planning and investing. Choose from a variety of layouts and delivery methods:

  • Expanded SmartStatement®
  • SuperStatement
  • Flex Statement
  • eStatement 

Click here for more information about DST’s statement solutions.



Understanding retirement planning should be easier, and every participant should have the knowledge to succeed in achieving retirement readiness. DST’s suite of educational videos is designed to enhance the participant experience in a whole new way.  Through a series of concise videos, we remove the complexity from the subject of retirement planning. 

  • Choose from a variety of retirement planning topics or customize videos to meet your specific needs
  • Educate participants on key targeted topics and decision making options.
  • Enhance the user experience and engage participants
  • Influence behaviors and drive outcomes 

Each video is approximately one minute in length and can be housed within your participant websites, your company website, plan sponsor’s website, or used as standalone education during enrollment meetings and seminars.

Click here for more information about our educational videos.





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